Discover Financial Services (DFS)

Company ID: 171 | CIK: 0001393612
10-Q view:
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Segments are charted by their disclosed metrics (revenue, segment profit, etc.). Each line is a single segment. Reconciliation/corporate items are excluded. Major customers are shown as a percentage of revenue. Operational KPIs are grouped by metric concept; sub-metrics appear as separate lines.

Geographic Segments

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Business Unit / Product Segments

Major Customers (% of Revenue)

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Operational KPIs

Unused credit capacity (capacity)

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Skip-a-Pay enrollments (customers)

Total deposits (deposits)

Discover card volume (gmv)

Headcount (headcount)

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PCI student loans (loans_outstanding)

Net charge-off rate (loss_ratio)

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Net interest margin (net_interest_margin)

Delinquency rate (nonperforming_loans)

30+ day delinquency rate (other)

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30+ delinquency rate (other)

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30-day delinquency rate (other)

90+ day delinquency rate (other)

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90-day delinquency rate (other)

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ATM access (other)

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Allowance for Credit Losses (other)

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Allowance for credit losses (other)

Allowance for loan losses (other)

Allowance for loan losses ratio (other)

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Average annual interest rate on deposits (other)

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Average securitized loans (other)

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Brokered deposits (other)

CD weighted average maturity (other)

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CEO pay ratio (other)

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CET1 capital ratio (other)

Charge-off Rate (other)

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Common Stock Dividend Payout Ratio (other)

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Common Stock Dividends (other)

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Common Stock Outstanding (other)

Common equity Tier 1 capital ratio (other)

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Common equity Tier 1 ratio (other)

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Common equity tier 1 ratio (other)

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Common shares outstanding (other)

Common stock outstanding (other)

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Contingent Liquidity Sources (other)

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Contingent funding sources (other)

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Contingent liquidity sources (other)

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Cost of funds (other)

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Credit Card Delinquency Rate (other)

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Credit card 30-day delinquency rate (other)

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Credit card 90-day delinquency rate (other)

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Credit card charge-off rate (other)

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Credit card delinquency rate (other)

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Credit card interest yield (other)

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Credit card loans FICO 660 and above (other)

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Credit card net charge-off rate (other)

Credit card sales volume (other)

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Credit quality — FICO mix (other)

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Customer rewards cost (other)

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Delinquency Rate (other)

Delinquency rate (other)

Delinquency rate (over 30 days) (other)

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Delinquency rate (over 90 days) (other)

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Delinquency rate 30+ days (other)

Delinquency rate 90+ days (other)

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Delinquency rate over 30 days (other)

Delinquency rate over 30 days (GAAP) (other)

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Delinquency rate over 30 days (managed) (other)

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Delinquency rate over 90 days (other)

Delinquency rate over 90 days (GAAP) (other)

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Delinquency rate over 90 days (managed) (other)

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Deposit interest rate (other)

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Diners Club acceptance footprint (other)

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Diners Club countries (other)

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Diners Club country coverage (other)

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Diners Club licensees (other)

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Direct-to-consumer deposits (other)

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Discount window capacity (other)

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Discover Card sales volume (other)

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Discover card sales volume (other)

Discover card volume (other)

Excess Spread (other)

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Excess spread (other)

Excess spread (3-month rolling average) (other)

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Excess spread rate (other)

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FHLB borrowing capacity (other)

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FICO 660 and above (other)

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FICO score distribution (other)

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Federal Reserve Discount Window Capacity (other)

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Federal Reserve discount window capacity (other)

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Fraud losses (other)

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Fraud losses and other charges (other)

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Inbound Service Calls (other)

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Interest Rate Spread (other)

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Interest rate spread (other)

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Interest yield (other)

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Interest yield on loans (GAAP) (other)

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Interest yield on loans (managed) (other)

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Investor interest in securitizations (other)

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Investors' interests (other)

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Investors' interests in securitizations (other)

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Liquidity Coverage Ratio (other)

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Liquidity Investment Portfolio (other)

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Liquidity Portfolio (other)

Liquidity Reserve (other)

Liquidity and facilities (other)

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Liquidity and undrawn facilities (other)

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Liquidity investment portfolio (other)

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Liquidity portfolio (other)

Liquidity portfolio and facilities (other)

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Liquidity portfolio and undrawn credit facilities (other)

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Liquidity portfolio and undrawn facilities (other)

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Liquidity reserve (other)

Liquidity resources (other)

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Liquidity sources (other)

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Loan interest yield (other)

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Loan loss reserve rate (other)

Loans 30 or more days delinquent rate (other)

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Loans 30+ days delinquent (other)

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Loans 90 or more days delinquent (other)

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Loans 90 or more days delinquent rate (other)

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Loans in forbearance (other)

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Loans not accruing interest (other)

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Loans over 30 days delinquent (other)

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Loans over 90 days delinquent (other)

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Loans over 90 days delinquent and accruing (other)

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Loans restructured in TDR programs (other)

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Managed Charge-Off Rate (other)

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Managed Credit Card Charge-off Rate (other)

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Managed Over 30 Days Delinquency Rate (other)

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Managed charge-off rate (other)

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Managed over 30 days delinquency rate (other)

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Managed segment net charge-off rate (other)

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Median employee compensation (other)

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Mortgage loans sold (other)

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Net Charge-Off Rate (other)

Net Charge-offs (other)

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Net charge-off rate (other)

Net charge-off rate (GAAP) (other)

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Net charge-off rate (managed) (other)

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Net charge-offs (other)

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Net interest income sensitivity (other)

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Net principal charge-off rate (other)

Net yield on interest-bearing assets (other)

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Net yield on interest-earning assets (other)

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Network transaction volume (other)

Non-accrual rate (other)

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Number of Reportable Segments (other)

Over 30 days delinquency rate (other)

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Over 30-days delinquency rate (other)

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PCI Student Loan Delinquency Rate (other)

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PULSE ATM access (other)

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PULSE direct relationships (other)

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PULSE financial institutions (other)

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PULSE network ATMs (other)

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PULSE participant institutions (other)

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PULSE participating financial institutions (other)

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Payment Services transaction volume (other)

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Payment network volume (other)

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Payment services transaction volume (other)

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Personal loan charge-off rate (other)

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Personal loan net charge-off rate (other)

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Private asset-backed securitizations capacity (other)

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Private securitization capacity (other)

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Private student loan net charge-off rate (other)

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Private student loans in forbearance (other)

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Provision for credit losses (other)

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Rate shock earnings impact (other)

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Record Holders (other)

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Record holders (other)

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Repurchase Program Value (other)

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Reserve rate (other)

Restructured loans (other)

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Return on Average Assets (other)

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Return on Average Equity (other)

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Return on Average Total Equity (other)

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Return on average assets (other)

Return on average equity (other)

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Return on average stockholders' equity (other)

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Say-on-Pay support (other)

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Securitization excess spread (other)

Securitization investors interests (other)

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Securitization investors' interests (other)

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Securitization proceeds (other)

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Securitized borrowings (other)

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Securitized credit card receivables (other)

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Securitized investors interests (other)

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Shares Repurchased (other)

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Shares outstanding (other)

Shares repurchased (other)

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Skip-a-Pay receivables (other)

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Skip-a-pay receivables (other)

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Student loans in forbearance (other)

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Tangible Common Equity (other)

Tangible common equity (other)

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Third-party payment volume (other)

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Tier 1 Leverage Ratio (other)

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Tier 1 leverage ratio (other)

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Total Contingent Liquidity Sources (other)

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Total Liquidity Portfolio and Undrawn Credit Facilities (other)

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Total Risk-Based Capital Ratio (other)

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Total assets (other)

Total capital ratio (other)

Total contingent liquidity (other)

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Total indebtedness (other)

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Total liquidity (other)

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Total liquidity and undrawn credit facilities (other)

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Total liquidity and undrawn facilities (other)

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Total risk-based capital ratio (other)

Total short-term borrowings (other)

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Total transaction volume (other)

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Transactions processed (other)

Troubled Debt Restructurings (other)

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Undrawn Credit Facilities (other)

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Undrawn credit facilities (other)

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Uninsured deposits (other)

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Unsecured committed credit (other)

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Unused Credit Arrangements (other)

Unused Credit Commitments (other)

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Unused commitments to extend credit (other)

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Unused credit arrangements (other)

Unused credit commitments (other)

Unused credit lines (other)

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Unutilized commitments (other)

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Common Stock Outstanding (shares)

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Common equity Tier 1 capital ratio (tier1_capital)

Network transaction volume (transactions)

Human capital disclosures. Workforce totals and demographics are point-in-time. Flow metrics use the year-to-date period for 10-Q and full year for 10-K. Workforce actions (RIFs, restructurings, acquisition-related changes) are listed in the table at the bottom.

Workforce Totals

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Demographics

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Workforce Breakdowns

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HCM Metrics — Point-in-Time

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HCM Metrics — Flow (Annual / YTD)

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Workforce Actions

Period EndTypeStatusAffected% WorkforceAnnouncedExpected CompletionGeographySegment / FunctionChargeSourceNote
2020-12-31voluntary_separationcompletedUnited StatesDigital BankingMD&A
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Discussed in MD&A as a driver of higher employee compensation and benefits expense in 2020; no employee count or separate charge disclosed.
2020-12-31voluntary_separationcompleted2020-10-01United StatesMD&A
f5-10k / Qwen3.6-27B-Q8_0		Voluntary early retirement program initiated in the fourth quarter of 2020. Employee count not disclosed.
2015-12-31othercompleted2015-06-162015-12-31United StatesDirect Banking — mortgage originationUSD 28 (millions)other
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Closure of the mortgage origination business acquired in 2012; approximately $28 million of exit expenses recorded in other expense for FY2015. No employee count disclosed.
2015-12-31divestiture_reductioncompleted2015-10-012015-10-01ItalyPayment Services — Diners Clubother
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Sale of Diners Club Italy completed October 1, 2015; business removed from the Payment Services segment. No employee count disclosed.
2015-12-31restructuringcompleted2015-06-162015-12-31United StatesDirect BankingUSD 28 (millions)MD&A
f5-10k / Qwen3.6-27B-Q8_0		Closure of mortgage origination business. Incurred approximately $28 million of exit expenses. Employee count not disclosed.
2015-09-30plant_closurein_progress2015-06-162015-12-31United StatesDirect Banking — Mortgage OriginationUSD 26 (millions)other
f5-10q / MiMo-V2.6-Flash-fp8-HTML		Exit expenses of $3M in Q3 and $26M YTD; approximately $5M more expected through end of 2015. No employee count disclosed.
2015-09-30divestiture_reductioncompleted2014-12-312015-10-01ItalyPayment Services — Diners Club Italyother
f5-10q / MiMo-V2.6-Flash-fp8-HTML		Diners Club Italy classified as held for sale at Dec 31, 2014; sale closed October 1, 2015. No employee count disclosed.
2015-09-30restructuringin_progress2015-06-162015-12-31Direct BankingUSD 26 (millions)restructuring_footnote
f5-10q / Qwen3.6-27B-Q8_0		Closing of mortgage origination business acquired in 2012. Incurred $26 million exit expenses for the nine months ended Sept 30, 2015. Expects additional $5 million through end of wind-down.
2015-06-30restructuringin_progress2015-06-162015-12-31United StatesDirect Banking — Mortgage OriginationUSD 23 (millions)restructuring_footnote
f5-10q / MiMo-V2.6-Flash-fp8-HTML		Closure of mortgage origination business acquired in 2012; ~$23M restructuring expense recorded in Q2 2015, with ~$10M additional expected through end of wind-down. No employee count disclosed.
2015-06-30restructuringin_progress2015-06-162015-12-31Direct BankingUSD 23 (millions)restructuring_footnote
f5-10q / Qwen3.6-27B-Q8_0		Closing mortgage origination business; incurred $23M restructuring expenses for Q2 2015. Expects additional $10M through end of wind-down.
2013-12-31acquisition_additioncompleted2013-05-212013-05-21ItalyPayment Servicesbusiness_combinations_footnote
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Acquisition of Diners Club Italia S.r.l. and Dinit d.o.o.; headcount added not disclosed. Related licensee-support transactions resulted in an approximately $40 million charge to earnings in Q2 2013.
2013-06-30acquisition_additioncompleted2013-05-21ItalyPayment Servicesbusiness_combinations_footnote
f5-10q / Qwen3.6-27B-Q8_0		Acquired Diners Club Italy and Dinit. Headcount not disclosed.
2013-06-30acquisition_additioncompleted2012-06-06United StatesDirect BankingMD&A
f5-10q / Qwen3.6-27B-Q8_0		Acquisition of Home Loan Center assets completed in prior year; MD&A notes increase in headcount related to this acquisition.
2012-11-30acquisition_additioncompleted2012-06-062012-06-06United StatesDirect Banking — Discover Home Loans (residential mortgage lending)USD 49 (millions)business_combinations_footnote
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Acquired substantially all operating and related assets of Home Loan Center, Inc. (a Tree.com subsidiary) for $49 million paid at closing, plus $10 million contingent on the first anniversary. Number of employees added through the acquisition is not disclosed.
2012-11-30acquisition_additioncompleted2012-06-06United StatesDirect BankingItem_1_Business
f5-10k / Qwen3.6-27B-Q8_0		Acquired substantially all operating assets of Home Loan Center. MD&A notes 'increased headcount to support our business growth, including the acquisition of the assets of Home Loan Center' but does not quantify the number of employees added.
2012-08-31acquisition_additioncompleted2012-06-06Direct Bankingbusiness_combinations_footnote
f5-10q / Qwen3.6-27B-Q8_0		Acquired net assets of Home Loan Center, Inc. on June 6, 2012. MD&A notes 'increase in headcount' related to this acquisition, but no specific employee count is provided in the filing.
2011-11-30acquisition_additioncompleted2010-12-31United StatesDirect Bankingbusiness_combinations_footnote
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Closed December 31, 2010 (first quarter of fiscal 2011); added a student loan origination platform and personnel, but no employee headcount is disclosed for the acquisition.
2011-11-30acquisition_additionannounced2011-05-31United StatesDirect BankingUSD 56 (millions)Item_1_Business
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Agreement reached in May 2011 to acquire substantially all operating assets of Home Loan Center, Inc. (Tree.com subsidiary) to add residential mortgage lending; pending closing conditions including regulatory approvals as of filing. No headcount disclosed; announcement date recorded as month-end placeholder (2011-05) since only the month is stated.
2011-11-30restructuringcompleted2009-04-30United StatesCorporate / GeneralUSD 20 (millions)MD&A
f5-10k / Qwen3.6-27B-Q8_0		The filing references a '$20 million restructuring charge recorded during the second quarter 2009 as a result of the reduction in headcount.' Although this action occurred in FY2009, it is the only specific workforce reduction event with quantified charges and headcount context mentioned in the provided text. No specific employee count for this reduction is provided in the text.
2010-11-30acquisition_additioncompleted2010-09-172010-12-31United StatesDirect Banking — Student Loanssubsequent_events
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Closed after fiscal year-end (subsequent event); acquired SLC's student loan business, personnel and platform, but no headcount added is disclosed. Net cash outlay approximately $366 million.
2010-11-30restructuringcompleted2009-04-01USD 20 (millions)MD&A
f5-10k / Qwen3.6-27B-Q8_0		Second quarter 2009 included a $20 million restructuring charge related to a reduction in force.
2010-11-30acquisition_additioncompleted2010-12-31Student LoansItem_1_Business
f5-10k / Qwen3.6-27B-Q8_0		Acquired SLC on Dec 31, 2010. Filing notes acquisition of 'experienced personnel' but does not quantify headcount.
2010-08-31restructuringcompletedUnited StatesCorporate / GeneralUSD 20 (millions)MD&A
f5-10q / Qwen3.6-27B-Q8_0		Filing references a $20 million restructuring charge recorded in Q2 2009 related to a reduction in force. No specific employee count or current-quarter activity disclosed.
2010-05-31restructuringcompletedUSD 20 (millions)MD&A
f5-10q / Qwen3.6-27B-Q8_0		Second quarter 2009 included a $20 million restructuring charge related to the reduction in force.
2009-11-30reduction_in_forcecompletedUnited StatesDirect BankingMD&A
f5-10k / MiMo-V2.6-Flash-fp8-HTML		MD&A attributes part of the 2009 increase in the 'Other expense' line to a one-time reduction-in-force expense; employee count, charge amount and timing not disclosed. MD&A also cites lower headcount among 2009 cost-containment actions
2009-11-30plant_closureannounced2009-11-12United StatesOperations (processing center)USD 6 (millions)other
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Announced plans to close one processing center during 2010; property classified as held for sale with a $5.6 million write-down recorded in other expense. Associated headcount not disclosed
2009-11-30restructuringcompletedMD&A
f5-10k / Qwen3.6-27B-Q8_0		Filing mentions 'reducing headcount' and a 'one-time expense related to a reduction in force' within Other Expense, but does not quantify the number of employees affected or the specific dollar amount of the charge in the narrative.
2009-11-30plant_closureannounced2009-11-122010-12-31Processing ServicesUSD 6 (millions)restructuring_footnote
f5-10k / Qwen3.6-27B-Q8_0		Announced plans to close one processing center in 2010. Recorded a $5.6 million loss to reduce property value to fair value less cost to sell. Employee count not disclosed.
2009-08-31restructuringin_progressUnited StatesCorporate / U.S. CardUSD 20 (millions)MD&A
f5-10q / MiMo-V2.6-Flash-fp8-HTML		One-time expense tied to a headcount reduction; no employee count, announcement date, or completion date disclosed. MD&A also cites lower headcount as a driver of reduced compensation costs.
2009-08-31restructuringcompletedUSD 20 (millions)MD&A
f5-10q / Qwen3.6-27B-Q8_0		Filing mentions a '$20 million one-time expense related to a reduction in headcount' within the Other Expense discussion. Specific employee counts were not disclosed.
2009-05-31reduction_in_forcecompletedUnited StatesCorporate / enterprise-wideUSD 20 (millions)MD&A
f5-10q / MiMo-V2.6-Flash-fp8-HTML		MD&A discloses $20M of expense for a reduction in force in Q2 2009; no employee count or announcement date given. Also referenced in Other Expense discussion.
2009-05-31restructuringcompleted2009-05-31United StatesCorporate / GeneralUSD 20 (millions)MD&A
f5-10q / Qwen3.6-27B-Q8_0		Filing reports a '$20 million one-time expense related to a reduction in force' in the second quarter of 2009. Specific employee count not disclosed.
2008-11-30divestiture_reductioncompleted2008-03-312008-03-31United KingdomInternational Carddiscontinued_operations_footnote
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Sale of the Goldfish U.K. credit card business to Barclays Bank PLC for approximately $70 million; the business represented substantially all of the International Card segment, which is presented in discontinued operations. No employee count associated with the sale is disclosed.
2008-11-30acquisition_additioncompleted2008-06-302008-06-30Global — 185 countries and territoriesThird-Party PaymentsUSD 168 (millions)business_combinations_footnote
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Acquisition of Diners Club International for $168 million in cash; the Company acquired the brand, trademarks, employees and license agreements. No headcount added through the acquisition is disclosed.
2008-11-30acquisition_additioncompleted2008-06-302008-06-30GlobalThird-Party PaymentsUSD 168 (millions)business_combinations_footnote
f5-10k / Qwen3.6-27B-Q8_0		Acquired Diners Club International for $168 million, including its employees.
2008-11-30divestiture_reductioncompleted2008-03-312008-03-31United KingdomInternational Carddiscontinued_operations_footnote
f5-10k / Qwen3.6-27B-Q8_0		Sold U.K. credit card business (Goldfish) to Barclays Bank PLC.
2008-08-31acquisition_additioncompleted2008-06-30GlobalThird-Party PaymentsUSD 168 (millions)business_combinations_footnote
f5-10q / Qwen3.6-27B-Q8_0		Acquired Diners Club brand, trademarks, and employees from Citibank. Headcount not explicitly quantified.
2008-08-31divestiture_reductioncompleted2008-03-31United KingdomInternational Card (Discontinued Operations)USD 70 (millions)discontinued_operations_footnote
f5-10q / Qwen3.6-27B-Q8_0		Sold Goldfish business (U.K. credit card business) to Barclays Bank PLC. Headcount not explicitly quantified.
2008-05-31acquisition_additionannounced2008-07-01International (185 countries)Third-Party PaymentsUSD 165 (millions)subsequent_events
f5-10q / MiMo-V2.6-Flash-fp8-HTML		Purchase of Diners Club International from Citibank, N.A.; filing states employees were acquired but discloses no headcount. Charge shown is the $165 million purchase price, not a severance or restructuring charge.
2008-02-29divestiture_reductioncompleted2008-02-072008-03-31United KingdomInternational Card (Goldfish)other
f5-10q / MiMo-V2.6-Flash-fp8-HTML		Sale of the Goldfish U.K. credit card business to Barclays Bank PLC; sale completed 2008-03-31 for approximately $70 million. The sale and purchase agreement includes employee-related provisions (severance policy, redundancy terms, accrued bonuses), but no employee count is disclosed.
2008-02-29acquisition_additionannounced2008-04-07GlobalUSD 165 (millions)subsequent_events
f5-10q / MiMo-V2.6-Flash-fp8-HTML		Agreement to purchase Diners Club International from Citibank for $165 million cash; expected to close within 90 days subject to regulatory approvals. Purchase price, not a workforce charge; no headcount added disclosed.
2007-11-30divestiture_reductionannounced2008-02-072008-05-31United KingdomInternational Cardsubsequent_events
f5-10k / MiMo-V2.6-Flash-fp8-HTML		Sale of U.K. credit card business to Barclays Bank Plc announced after fiscal year-end; expected charges of $240-270 million pre-tax in Q1 2008, substantially non-cash. Headcount impact not disclosed.